(19)

(11)

EP 1 504 385 A2

(12)

(88) Date of publication A3: 13.11.2003 (43) Date of publication: 09.02.2005 Bulletin 2005/06 (21) Application number: 02795755.4 (22) Date of filing: 05.12.2002

(51) International Patent Classification (IPC)7: G06F 17/60 (86) International application number: PCT/US2002/038945 (87) International publication number: WO 2003/048905 (12.06.2003 Gazette 2003/24)

(84) Designated Contracting States: AT BE BG CH CY CZ DE DK EE ES FI FR GB GR IE IT LI LU MC NL PT SE SI SK TR (30) Priority: 05.12.2001 US 336775 P 01.08.2002 US 400467 P (71) Applicant: E-xchange Advantage Inc. New York, NY 10017 (US)	(72) Inventors: FEDERSPIEL, Fred J. Larchmont, NY 10538 (US) WAELBROECK, Henri Scarsdale, NY 10583 (US) LOPEZ, John E. Nesconset, NY 11767 (US) (74) Representative: Naismith, Robert Stewart et al Marks & Clerk Scotland19 Royal Exchange Square Glasgow, G1 3AEScotland Glasgow, G1 3AEScotland (GB)